The Globe and Mail reports in its Wednesday edition that TD Bank recently announced changes to its TD First Class Travel Visa Infinite Card and, shockingly, there are no significant downsides. Guest columnist Barry Choi writes that cardholders will soon earn more points on public transit, streaming, digital gaming, media and drink purchases. In addition, they will receive free airport lounge passes. Starting April 30, TD First Class Travel Visa Infinite cardholders will earn more points on select categories. You will earn six TD Rewards points per dollar spent on public transportation -- such as subway, bus, railway and ferries; six points on drinking places, including bars, clubs and cocktail lounges; and four points on streaming, digital gaming and media, such as cable and other streaming services, in-game purchases and ebooks. Each of these new categories has a spending cap of $25,000 annually. Once you reach that cap, you will earn two points per dollar spent. Mr. Choi says these changes are surprising because they are all positive. The only negative news is that the annual interest rate will increase by 1 per cent for purchases, purchases due to missed payments and, in Quebec only, cash advances.